Mid-Missouri Bank Mortgage Lending & HMDA Data, 2010
In 2010, Mid-Missouri Bank of Springfield, MO reported 357 mortgage applications totaling $32.0 million, up 5% from 2009. The average application was for $89,644, and applicants reported an average income of $62,577. 78% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Springfield, MO (86), Joplin, MO (51) and Kansas City, MO-KS (1) (applications in parentheses).
| Mortgage Company & Address | Mid-Missouri Bank 3546 East Sunshine Springfield, MO 65804 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 357 |
| Total Mortgage Loan Application Amount | $32,003,000 |
| Average Mortgage Loan Application Amount | $89,644 |
| Highest Mortgage Loan Application Amount | $1,442,000 |
| Average Applicant Income | $62,577 |
| Highest Applicant Income | $726,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mid-Missouri Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Laclede, Missouri | 69 | $ 7,060,000 | $ 102,318 | $ 60,000 |
| Lawrence, Missouri | 50 | $ 5,860,000 | $ 117,200 | $ 77,000 |
| Cedar, Missouri | 48 | $ 3,693,000 | $ 76,937 | $ 47,000 |
| Polk, Missouri | 45 | $ 3,773,000 | $ 83,844 | $ 59,000 |
| Jasper, Missouri | 44 | $ 2,896,000 | $ 65,818 | $ 85,000 |
| Greene, Missouri | 29 | $ 3,826,000 | $ 131,931 | $ 54,000 |
| Christian, Missouri | 7 | $ 372,000 | $ 53,142 | $ 45,000 |
| Newton, Missouri | 7 | $ 517,000 | $ 73,857 | $ 50,000 |
| Vernon, Missouri | 6 | $ 311,000 | $ 51,833 | $ 50,000 |
| Dade, Missouri | 5 | $ 138,000 | $ 27,600 | $ 70,000 |
| Dallas, Missouri | 5 | $ 226,000 | $ 45,200 | $ 25,000 |
| Hickory, Missouri | 5 | $ 274,000 | $ 54,800 | $ 70,000 |
| Stone, Missouri | 4 | $ 790,000 | $ 197,500 | $ 99,000 |
| Crawford, Kansas | 3 | $ 301,000 | $ 100,333 | $ 98,000 |
| Henry, Missouri | 3 | $ 22,000 | $ 7,333 | $ 52,000 |
| Wright, Missouri | 3 | $ 219,000 | $ 73,000 | $ 46,000 |
| Camden, Missouri | 2 | $ 187,000 | $ 93,500 | $ 78,000 |
| St. Clair, Missouri | 2 | $ 31,000 | $ 15,500 | $ 19,000 |
| Cherokee, Kansas | 1 | $ 7,000 | $ 7,000 | $ 25,000 |
| Barton, Missouri | 1 | $ 111,000 | $ 111,000 | $ 130,000 |
| Jackson, Missouri | 1 | $ 10,000 | $ 10,000 | $ 82,000 |
| Oregon, Missouri | 1 | $ 2,000 | $ 2,000 | $ 83,000 |
| Pulaski, Missouri | 1 | $ 164,000 | $ 164,000 | $ 37,000 |
| Taney, Missouri | 1 | $ 234,000 | $ 234,000 | $ 221,000 |
| Ottawa, Oklahoma | 1 | $ 267,000 | $ 267,000 | $ 171,000 |
Mortgage Loan Application Detail Totals for Mid-Missouri Bank in 2010
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 151 | $18,350,000 | $121,000 | $878,000 | $62,000 | $529,000 |
| Home Purchase | 148 | $12,247,000 | $82,000 | $1,442,000 | $63,000 | $726,000 |
| Home Improvement | 58 | $1,406,000 | $24,000 | $164,000 | $63,000 | $460,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 321 | $24,492,000 | $76,000 | $878,000 | $69,000 | $726,000 |
| Not applicable | 30 | $7,259,000 | $241,000 | $1,442,000 | $0 | $0 |
| Hispanic | 2 | $50,000 | $25,000 | $25,000 | $48,000 | $67,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $76,000 | $76,000 |
| American Indian or Alaskan Native | 1 | $142,000 | $142,000 | $142,000 | $79,000 | $79,000 |
| Asian | 1 | $30,000 | $30,000 | $30,000 | $42,000 | $42,000 |
| Not Provided | 1 | $5,000 | $5,000 | $5,000 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 350 | $30,177,000 | $86,000 | $1,442,000 | $62,000 | $726,000 |
| FHA-insured (Federal Housing Administration) | 4 | $358,000 | $89,000 | $142,000 | $40,000 | $79,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $1,468,000 | $489,000 | $878,000 | $119,000 | $179,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 278 | $26,471,000 | $95,000 | $1,442,000 | $67,000 | $726,000 |
| Application Denied By Financial Institution | 42 | $2,491,000 | $59,000 | $340,000 | $42,000 | $280,000 |
| Application Withdrawn By Applicant | 21 | $2,141,000 | $101,000 | $314,000 | $61,000 | $172,000 |
| Preapproval Denied by Financial Institution | 10 | $535,000 | $53,000 | $90,000 | $24,000 | $76,000 |
| Preapproval Approved but not Accepted | 4 | $198,000 | $49,000 | $75,000 | $85,000 | $148,000 |
| File Closed For Incompleteness | 2 | $167,000 | $83,000 | $130,000 | $22,000 | $25,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Missouri Bank's 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Mid-Missouri Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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